bunq Together

Types of sub-accounts

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Hey bunqers 🌈

With your bunq account, you can choose between different sub-account options based on your usage preferences. Find out more about each option below ✨

e-money account

After signing up, you can start using the bunq app right away. Consider the fact that continuing without verification, certain limitations apply on your account. The so-called e-money account will give you the following usage opportunities and limitations:

Order a Virtual Credit Card
Total transaction limit of €150 for the whole account (until you’re fully verified)
No international payments included
No included physical bunq cards included
No included joint sub-accounts included
No included opening of additional business accounts included

If you want to enjoy bunq’s full potential, click here to learn how you can further verify your account ✅

Bank Account (sub-account)

When you’ve already been verified and you’ve chosen the most suitable subscription plan for you, you’ll be able to open a bank account. Easy Green and Easy Money users can have up to 25 sub-accounts, where they can put money aside and divide everyday costs 💸

Note that if you’re using the Easy Bank plan, you can only have 1 Savings, 1 Bank and 1 Joint sub-account.

If you’re wondering how to open a bank account, click here.

Savings Account

We’re offering you a secure way to save money and receive high interest with zero fees. Saving money can be difficult but the AutoSave option makes it easier than ever.

By enabling AutoSave, each outgoing payment will be rounded up to the nearest € and the difference will be put in your Savings Account. This feature is available for Easy Savings, Easy Bank, Easy Money, and Easy Green subscription plans. Keep in mind, Easy Savings users can only have a Savings account. Be aware that this account is specifically for savings, so you will only have access to one Savings Account and won’t be able to order any card or use the account to make day-to-day payments. You can also withdraw up to 2 times per month.

To learn more about saving up with bunq, click here.

Joint Account

Joint account is the perfect option for you to share expenses with friends and family 👥It gives you the chance to have up to 10 owners of one monetary account. Keep in mind that each one of the members should have their own bunq account. The feature is available for Easy Bank, Easy Money, and Easy Green users.

Learn more about the Joint account feature here

Investment Account

Together with our partners from Birdee, we’ve made the investments of your savings in socially responsible assets easier than ever. When creating your Easy Investments account you’ll be asked several questions, which will generate a recommended portfolio based on the Birdee’s specialists’ expertise. This way you can choose the most suitable investment goal and keep the risks as low as possible.

Currently, this feature is available for residents in the 🇳🇱Netherlands, 🇩🇪Germany, 🇧🇪Belgium, 🇫🇷France and 🇱🇺Luxembourg.

To gain full understanding on how Easy Investments works click here.

Local Currency / Local IBAN sub-account

As the bank of The Free, we want you to feel secure using your money everywhere you go 🌎 With the features of Local IBANs and Local Currencies, bunqers can easily bank like locals all across Europe. What’s the difference between them you’ll ask?

Local IBANs are operating in Euro based on the local Dutch, German, French, and Spanish banking metrics. Keep in mind that if you reside in Germany, France, Spain or Ireland, your first and any new sub-accounts you create will automatically be assigned an IBAN according to your location unless you specifically open a Local IBAN sub-account.

Local Currencies allow you to spend and save in one of our 16 available currencies. Your IBAN will be a GB one since the foreign currency is held in the UK. This feature is only available for bunqers residing in 🇳🇱 The Netherlands, 🇩🇪 Germany, 🇪🇸 Spain, 🇮🇹 Italy, 🇫🇷 France, 🇮🇪 Ireland.

To find out more about Local IBANs click here.

If you think Local Currencies fits your lifestyle better, click here to learn all about them.